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Homeowners Insurance coverage in 75069

If you are a homeowner in 75069 or Mckinney, TX you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Mckinney.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 75069.

Learn more about our homeowners insurance shopping service by selecting the best Mckinney, TX Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 75069?

Residents of Mckinney have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Texas? While Texas is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Texas comes in at 4 in the country for homeowners insurance premiums.

If you are living in 75069 zipcode, expect to pay around $1499 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Mckinney does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

75069 Home Insurance Average Premiums

Local 75069 homeowners insurance quotes comparison

$1249 /yr.

Shows Zip Code: 75069 lowest rates with discounts applied on average.

For the 75069, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1249 /yr.
Average Coverage:$1499 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1799 /yr.

What is the average home insurance cost for a home in 75069?

  • • The average homeowners insurance premium paid annually for a home in 75069 is around $1499 per year.

What does it cost on average per month for home insurance in 75069?

  • • Homeowners in 75069 pay a monthly average cost per month around $125.00.

What kind of discount could I get if I combine my home and auto insurance together in 75069?

  • • Autoowners in 75069 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Mckinney area, check out other zip codes nearby 75069.
Review average rates in another zip code:
75070 homeowners insurance rates
75071 homeowners insurance rates
75069 homeowners insurance rates

Home Replacement Cost Coverage in 75069

Average Building Cost Per Square Foot in 75069: $129

Location: Mckinney, Texas (Collin County)

Average Square Footage in 75069: 2,498 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 75069 before you start any project. Mckinney homeowners pay on average around $129 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 75069 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 75069 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,498 sq. ft. and the average cost to rebuild the home in this area is around $129 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Mckinney area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1292,498$322,200
Additional Upgrades & Added Features$1612,498$402,750
Major Home Updates or Advancements$1942,498$483,300

It's important to understand that when you estimate your replacement cost of your home in the 75069 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 75069

Best Home & Auto Insurance Agencies in 75069

Housing Demographics for 75069

Population Review for 75069 Zip Code

For the city of Mckinney, the population within 75069 has increased to over 43,169 residents in population size. The current population total is 39,084. We have broken down the population based on race below. In 75069, there are over 18834 in male population and 20250 females.

PopulationValues
Total Population39,084
White Population21267
Black Population4403
Hispanic Population12647
Asian Population1360
Hawaiian Population30
Indian Population471
Other Population5308
Male Population18834
Female Population20250
Population Estimate43169

Household Data for 75069

The average number of homes in 75069 is around 15,238, there are an average of 2.54 per household. The average house value according to local real estate values is around $322,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,238
Persons Per Household2.54
Average House Value$322,200
Income Per Household$66086
Median Age38.3
Median Age Male35.8
Median Age Female40.5
75069 DetailsValues
StateTX
State Full NameTexas
City TypeP
City Alias Abbreviation
Area Code469/214/972/945
CityMckinney
City Alias NameMCKINNEY
CountyCollin
County FIPS085
State FIPS48
Time Zone6
Day Light SavingY
MSA1922
PMSA1920
CSA206
CBSA19100
CBSA_DIV19124
CBSA_TypeMetro
CBSA_NameDallas-Fort Worth-Arlington, TX
MSA_NameDallas-Fort Worth, TX CMSA
PMSA_NameDallas, TX PMSA
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1256
Number Of Employees22314
Business First Quarter Payroll289899
Business Annual Payroll1262657
Business Employment Flag
Growth Rank26
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number29885
Growth Increase Percentage3.8
Metropolitan DetailsValues
CBSA Population6371773
CBSA Division Population4230520
Congressional District03
Congressional LandArea480.88
Delivery Residential16996
Delivery Business1597
Delivery Total24332
Preferred Last Line KeyW24653
Classification Code
Multi-County
CSA NameDallas-Fort Worth, TX-OK
CBSA_DIV_NameDallas-Plano-Irving, TX
City State KeyW24653
Land Area33.676000
Water Area0.298000
City Alias Code
City Mixed CaseMcKinney
City Alias Mixed CaseMcKinney
Box Count0
SFDU9416
MFDU6464
State ANSI48
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number485490
Unique ZIP Name
SSA State County Code45310
Medicare CBSA Code19124
Medicare CBSA NameDallas-Plano-Irving, TX
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseCollin

Texas Homeowners Insurance News & Information

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    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • 9% Predicted Jump in Home Insurance Rates in 2023  Posted on Tuesday 25th April, 2023

    According to a new report by online marketplace Insurify, average homeowner insurance premiums are headed up again in 2023. The report predicts that the average cost of homeowners insurance could jump up 9% which translates into about $150 increase for most homeowners. The pain will not be distributed equally, homeowners in some states will see […]

  • Get Cheaper Home Insurance by Using These Great Saving Tips Posted on Friday 19th August, 2022

    Homeowner insurance rates are headed up in many states this year. Colorado’s new average rate is around $3,400, Oklahoma is now $3,300, Tennesse has also moved up on the list to an average home insurance rate of $3,000 per year. Kansas and Texas are both around $2,500 for the year. While your premium may be […]

  • Top 3 Reasons Homeowners Can Expect a 3% to 30% Rate Increase Posted on Monday 18th April, 2022

    Interest rate hike due to inflation percentage rising up, FED, federal reserve or central bank monetary policy, economics or loan concept, businessman archery percentage arrow high up into the sky. There is a good chance that your homeowners insurance premium will be headed up this year. According to a recent S&P Global Market Intelligence report,  homeowners […]